Digital identity verification and guarantee

Abstract

Various systems and methods for managing digital identity verification are described herein. A digital identity verification system is configured to receive an electronic indication of a transaction from a client device, the transaction being for a rental or purchase of an asset, the electronic indication including consumer identifying information to identify a consumer of the asset, business identifying information to identify a business from whom the consumer is renting or purchasing the asset, and transaction details; determine, based on the consumer identifying information that the consumer is a customer of the digital identity verification system; and in response to determining that the consumer is a customer of the digital identity verification system: determine, based on the consumer identifying information, the business identifying information, and the transaction details, a probability that the consumer is legitimate, the probability represented as a confidence score; determine, based on the confidence score, a fee for a monetary reimbursement for damage to the asset due to the consumer not being legitimate; and transmit an electronic response to the client device, the electronic response including the fee.

What is claimed is: 
     
         1 . A digital identity verification system, the system comprising:
 a processor subsystem; and   memory including instructions, which when executed by the processor subsystem, cause the processor subsystem to:
 receive an electronic indication of a transaction from a client device, the transaction being for a rental or purchase of an asset, the electronic indication including consumer identifying information to identify a consumer of the asset, business identifying information to identify a business from whom the consumer is renting or purchasing the asset, and transaction details; 
 determine, based on the consumer identifying information that the consumer is a customer of the digital identity verification system; and 
 in response to determining that the consumer is a customer of the digital identity verification system:
 determine, based on the consumer identifying information, the business identifying information, and the transaction details, a probability that the consumer is legitimate, the probability represented as a confidence score; 
 determine, based on the confidence score, a fee for a monetary reimbursement for damage to the asset due to the consumer not being legitimate; and 
 transmit an electronic response to the client device, the electronic response including the fee. 
 
   
     
     
         2 . The system of  claim 1 , wherein the consumer identifying information includes a first name of the consumer, a last name of the consumer, a date of birth of the consumer, or a ZIP code of the consumer. 
     
     
         3 . The system of  claim 1 , wherein the electronic indication of the transaction is a Hypertext Transfer Protocol (HTTP) message request for the fee for the monetary reimbursement. 
     
     
         4 . The system of  claim 3 , wherein the amount of the monetary reimbursement is set by the business. 
     
     
         5 . The system of  claim 3 , wherein the Hypertext Transfer Protocol (HTTP) message request is an eXtended Markup Language (XML) Simple Object Access Protocol (SOAP) message. 
     
     
         6 . The system of  claim 5 , wherein the Hypertext Transfer Protocol (HTTP) message request is a Representational State Transfer (REST) message. 
     
     
         7 . The system of  claim 1 , wherein the electronic indication of the transaction is received through an application programming interface (API) exposed to the client device, wherein the API exposes a number of services provided by the digital identity verification system. 
     
     
         8 . The system of  claim 1 , wherein to determine the probability that the consumer is legitimate, the memory includes instructions, which when executed by the processor subsystem, cause the processor subsystem to:
 retrieve consumer data of the consumer from a database internal to the digital identity verification system;   compare the consumer data from the database to data from the electronic indication of the transaction; and   calculate the probability based on the similarity of the consumer data to the data from the electronic indication of the transaction.   
     
     
         9 . The system of  claim 8 , wherein to compare the consumer data from the database to data from the electronic indication of the transaction, the memory includes instructions, which when executed by the processor subsystem, cause the processor subsystem to use a machine-learning system to perform the comparison. 
     
     
         10 . The system of  claim 8 , wherein the consumer data includes transaction data of transactions between the consumer and the digital identity verification system. 
     
     
         11 . The system of  claim 1 , wherein the digital identity verification system is a financial institution. 
     
     
         12 . The system of  claim 1 , wherein the electronic indication of the transaction includes the monetary reimbursement. 
     
     
         13 . A method for managing digital identity verification, the method performed on an electronic online system, the method comprising:
 receiving, at a digital identity verification system, an electronic indication of a transaction from a client device, the transaction being for a rental or purchase of an asset, the electronic indication including consumer identifying information to identify a consumer of the asset, business identifying information to identify a business from whom the consumer is renting or purchasing the asset, and transaction details;   determining, based on the consumer identifying information, the business identifying information, and the transaction details, a probability that the consumer is legitimate, the probability represented as a confidence score;   determining, based on the confidence score, a fee for a monetary reimbursement for damage to the asset due to the consumer not being legitimate;   and transmitting an electronic response to the client device, the electronic response including the fee.   
     
     
         14 . The method of  claim 13 , wherein the electronic indication of the transaction is a Hypertext Transfer Protocol (HTTP) message request for the fee for the monetary reimbursement. 
     
     
         15 . The method of  claim 14 , wherein the Hypertext Transfer Protocol (HTTP) message request is an eXtended Markup Language (XML) Simple Object Access Protocol (SOAP) message. 
     
     
         16 . The method of  claim 13 , wherein determining the probability that the consumer is legitimate comprises:
 retrieving consumer data of the consumer from a database internal to the digital identity verification system;   comparing the consumer data from the database to data from the electronic indication of the transaction; and   calculating the probability based on the similarity of the consumer data to the data from the electronic indication of the transaction.   
     
     
         17 . The method of  claim 16 , wherein comparing the consumer data from the database to data from the electronic indication of the transaction comprises using a machine-learning system to perform the comparison. 
     
     
         18 . The method of  claim 16 , wherein the consumer data includes transaction data of transactions between the consumer and the digital identity verification system. 
     
     
         19 . A non-transitory machine-readable medium comprising instructions for managing digital identity verification, which when executed by a machine in an online system cause the machine to:
 receive, at a digital identity verification system, an electronic indication of a transaction from a client device, the transaction being for a rental or purchase of an asset, the electronic indication including consumer identifying information to identify a consumer of the asset, business identifying information to identify a business from whom the consumer is renting or purchasing the asset, and transaction details;   determine, based on the consumer identifying information, the business identifying information, and the transaction details, a probability that the consumer is legitimate, the probability represented as a confidence score;   determine, based on the confidence score, a fee for a monetary reimbursement for damage to the asset due to the consumer not being legitimate; and   transmit an electronic response to the client device, the electronic response including the fee.   
     
     
         20 . The non-transitory machine-readable medium of  claim 19 , wherein the electronic indication of the transaction includes the monetary reimbursement.